Q3 2012 September English
STATEMENTS OF FINANCIAL POSITION
As at 30 September 2012 and 31 December 2011
No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2012
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Loans
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer finance receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Finance lease
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES AND EQUITY
LIABILITIES
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Liabilities sold with repo agreements to repurchase (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
a. Loans capital
b. Others fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
Deferred tax liabilities
Liability to Unit Link Holders
Other liabilities
Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
Share capital
a. Authorised capital
b. Unpaid-in capital -/c. Treasury stock -/Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
Other comprehensive income (losses)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Difference arising from quasi reorganisation
Difference arising from restructuring value of transaction of entities under common control
Other equity
Reserve
a. General reserve
b. Appropriated reserve
Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 September 2012 and 2011
CONSOLIDATED
31 December 2011 30 September 2012 31 December 2011
(Audited)
(Audited)
10,230,397
59,890,698
22,352,588
61,957
10,259,053
62,711,629
26,243,728
124,422
11,476,441
64,530,218
23,893,999
62,203
11,357,523
69,593,901
27,926,232
128,005
2,529,974
57,600,659
24,210,280
10,725
650,340
6,791,327
7,237,649
4,281,564
58,723,208
23,334,074
9,588
12,170,910
6,551,103
3,761,704
58,102,962
26,108,277
10,725
650,340
6,793,437
7,237,649
5,401,586
59,428,638
25,495,706
9,588
12,369,885
6,551,103
319,154,003
2,887,917
-
273,962,101
2,887,626
-
361,347,857
3,610,138
6,705
10,609,440
311,093,306
3,248,560
7,327
9,044,266
(115,112)
(12,996,655)
(1,247,958)
1,661,107
(1,151,164)
9,765,074
(4,105,005)
(163,210)
(11,111,571)
(1,285,241)
1,633,712
(1,100,378)
9,258,876
(3,787,184)
(260,446)
(14,122,809)
(1,332,259)
1,661,107
(1,151,164)
11,195,808
(4,783,169)
(236,254)
(12,105,048)
(1,356,397)
1,633,712
(1,100,378)
10,418,120
(4,361,860)
180,046
120,030
2,000,763
180,046
120,030
1,434,376
180,280
143,052
2,000,763
180,280
143,052
1,434,376
(305,139)
2,482,392
9,675,137
519,572,030
(298,163)
3,648,627
9,317,738
489,106,664
(327,201)
204,741
2,632,951
14,162,148
588,405,897
(320,225)
38,982
3,800,412
12,067,306
551,891,704
86,396,143
162,196,970
137,741,495
2,995
27,613,854
142,205
652,975
7,237,649
564
89,152,870
149,088,472
141,994,836
7,279
12,439,224
178,036
6,551,103
564
91,441,379
180,206,135
159,268,823
2,995
27,938,068
142,210
652,975
7,237,649
1,249,962
92,616,188
163,779,820
165,854,396
7,279
12,653,630
178,704
6,551,103
1,795,975
5,828,209
9,148,831
1,745,497
5,856,798
9,152,966
1,685,061
5,823,209
12,137,993
1,745,497
5,851,798
11,696,219
1,685,061
3,754,295
(3,463,668)
13,771,811
452,769,825
3,520,845
(3,486,349)
13,785,816
429,927,521
3,754,295
(3,463,668)
10,609,440
18,363,708
517,110,670
3,520,845
(3,486,349)
9,044,266
17,488,362
489,237,297
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,195,760
-
17,195,760
-
17,195,760
-
17,195,760
-
71,932
(416,626)
78,732
-
83,282
(678,466)
131,085
-
46,846
(399,705)
78,732
-
No.
2,333,333
547,000
2,333,333
547,000
2,333,333
547,000
24,961,431
10,363,976
66,802,205
66,802,205
519,572,030
16,523,449
11,377,033
59,179,143
59,179,143
489,106,664
27,695,066
11,119,408
70,283,107
1,012,120
71,295,227
588,405,897
18,379,149
12,246,044
61,793,218
861,189
62,654,407
551,891,704
DESCRIPTION
A.
1.
2.
3.
4.
OPERATING INCOME AND EXPENSES
Interest Income and Interest Expenses and Premium Income
and Claim Expenses
Interest Income
a. Rupiah
b. Foreign currencies
Interest Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income (Expenses)
Premium Income
Claim Expenses
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses) and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities (mark to market)
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Gain from investment in shares with equity method
f. Dividend
g. Comissions/provisions/fees and administrative
h. Recovery on allowance for impairment
i. Other income
2. Other Operating Expenses
a. Decrease in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities (mark to market)
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Losses related to operational risk
g. Losses from investment in shares under equity method
h. Comissions/provisions/fees and administrative
i. Impairment on non financial assets
j. Salaries and employee benefits
k. Promotion expenses
l. Other expenses
Other Operating Income (Expenses)
PROFIT (LOSS) FROM OPERATIONS
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
PROFIT (LOSS) FROM NON OPERATING
PROFIT (LOSS) CURRENT YEAR BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
PROFIT (LOSS) AFTER INCOME TAX - NET
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT YEAR
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT YEAR
Special
Mention
Sub
Standard
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Placements with other banks
Spot and derivative receivables
Securities
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Other Receivable - Trade Transaction
Loans
Investments in shares
Temporary invesment
Administrative transaction account
5,957
380,554
-
7,452
733,861
-
380,554
-
82,089
113,515
279,222
4,547,625
276,259
2,006,663
13,449,071
95,914
97,294
21,271
3,895,001
198,137
3,169,720
11,195,029
74,694
127,663
1
5,278,039
125,910
2,361,206
16,593,926
97,422
99,292
15
4,587,384
115,387
3,420,446
13,965,336
-
-
-
111,389
-
-
-
-
-
2,847,585
(57,741)
343,370
1,375
4,366,347
584,821
5,363,314
(5,409,535)
12,782,298
1,890,709
20,543
353,788
814,321
3,722,130
468,664
3,924,874
(3,331,181)
11,102,199
7,946
2,973,643
(57,741)
343,370
5,444,734
689,359
7,192,615
(7,885,100)
14,369,515
2,072,849
20,543
353,788
815,162
4,629,858
582,772
5,378,975
(5,264,836)
12,301,365
849
169,411
170,260
12,952,558
7,343
23,689
31,032
11,133,231
4,236
230,725
234,961
14,604,476
7,343
105,829
113,172
12,414,537
(1,474,700)
(1,113,882)
(1,428,671)
(1,096,771)
(1,969,156)
(1,115,981)
(1,817,484)
(1,109,075)
10,363,976
8,607,789
11,519,339
9,487,978
(11,350)
261,840
(52,353)
198,137
130,738
(258,699)
19,624
(108,337)
(9,948)
362,909
(52,353)
300,608
Loss
Total
10,562,113
8,499,452
11,819,947
9,461,143
10,363,976
10,363,976
8,607,789
8,607,789
11,119,408
399,931
11,519,339
9,172,620
315,358
9,487,978
10,562,113
10,562,113
8,499,452
8,499,452
11,420,016
399,931
11,819,947
9,145,785
315,358
9,461,143
393.11
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
Current
No.
Special
Mention
Sub
Standard
Doubtful
Loss
I.
Total
-
-
-
-
547,431
238,977
-
-
-
-
238,977
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
539
539
3,738,069
3,625,529
112,540
6,327
2,883,269
-
-
-
-
2,278
-
539
539
3,738,069
3,625,529
112,540
6,327
2,885,547
-
572
572
1,261,069
1,260,670
399
2,941
2,523,269
-
-
-
6
6
6
-
2,278
-
572
572
1,261,075
1,260,676
399
2,947
2,525,547
-
97,872
71,177
-
-
-
-
-
97,872
71,177
-
127,411
11,290
-
-
-
-
-
127,411
11,290
-
21,143,330
27,988,875
-
-
-
53,416
21,143,330
28,042,291
21,097,947
16,697,866
-
-
-
73,971
21,097,947
16,771,837
61,600
357
-
-
-
-
61,600
357
196,047
972
-
-
-
-
196,047
972
81,222,965
3,031,441
-
-
-
86,507
10,725
81,309,472
3,042,166
86,080,334
1,110,626
-
-
-
85,989
9,333
86,166,323
1,119,959
650,340
-
-
-
-
-
650,340
-
-
-
-
-
-
-
6,791,327
7,233,053
3,677
-
919
-
6,791,327
7,237,649
2,193,959
7,437,752
180,689
23,781
-
-
2,193,959
7,642,222
2,024,166
2,211,583
42,380
354,877
-
664
145,944
664,845
2,212,490
3,231,969
1,661,437
2,068,610
25,480
360,626
5,796
-
168,847
610,657
1,855,764
3,045,689
45,677,354
45,357,058
320,296
249,817,498
208,115,865
41,701,633
8,324,328
4,610,378
3,713,950
20,263,839
1,955
-
3,271,510
3,246,268
25,242
10,497,976
8,191,648
2,306,328
4,654,832
2,475,900
2,178,932
2,584,109
-
262,016
262,016
1,229,554
949,882
279,672
744,185
464,563
279,622
78,487
-
362,911
362,911
225,500
217,485
8,015
35,761
35,761
63,516
415
1,003,559
1,003,559
3,067,517
2,094,553
972,964
305,045
305,045
292,011
-
50,577,350
50,231,812
345,538
264,838,045
219,569,433
45,268,612
14,064,151
7,891,647
6,172,504
23,281,962
1,955
415
34,742,464
34,336,159
406,305
204,885,090
164,635,674
40,249,416
8,326,127
5,198,139
3,127,988
16,851,552
1,955
-
2,493,177
2,467,920
25,257
9,350,780
7,417,155
1,933,625
4,434,995
2,591,058
1,843,937
2,019,769
-
251,579
251,579
960,214
685,556
274,658
202,879
61,681
141,198
71,293
-
275,929
275,929
324,917
310,782
14,135
11,873
11,873
69,798
193
903,663
891,976
11,687
3,586,763
2,060,704
1,526,059
720,329
648,768
71,561
320,019
-
38,666,812
38,223,563
443,249
219,107,764
175,109,871
43,997,893
13,696,203
8,511,519
5,184,684
19,332,431
1,955
193
44,180,817
37,080,602
-
128,922
50,276
-
1,842
-
1,821
-
19,386
14,671
120,030
44,332,788
37,145,549
120,030
31,021,763
20,989,725
-
161,339
95,420
-
164
-
561
9,022
-
18,672
7,161
128,797
31,202,499
21,101,328
128,797
14,359,725
12,931,613
15.85%
6.45%
43.03%
40.08%
12,044,372
11,629,221
14.93%
5.69%
36.44%
33.79%
13,000,917
1,970,676
2,856,656
-
13,804,298
1,321,673
2,823,405
-
(In Millions of Rupiah)
30 September 2012
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
222,992
569
75,791
6,503
72,331
42,357
4,327,456
51
545,481
53,416
97,232
644
830,984
7,198,802
2,278
207
44,203
116,247
(162,706)
19,624
(26,835)
-
-
48,790
6,242
24,596
16,299
4,315,152
8,695
302
733,861
-
476.55
547,431
53,416
108,870
2,269
1,099,868
8,681,503
2,513
207
119,737
8,700,500
-
As at 30 September 2012 and 2011
DESCRIPTION
8,708,826
-
ALLOWANCES FOR IMPAIRMENT
No.
7,863,848
-
30 September 2011
Doubtful
8,039,536
(In Millions of Rupiah) As at 30 September 2012 and 2011
30 September 2012
Current
27,512,123
25,863,874
1,648,249
11,248,158
11,075,110
173,048
16,263,965
3,684,889
2,382,653
1,302,236
17,566,201
-
BANK
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other Receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
9. Investments in shares
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other Receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
a. Rupiah
b. Foreign currencies
12. Repossessed assets
III. OTHER INFORMATIONS
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
2. Total allowance for impairment on financial assets to earning assets
3. Total required allowance for possible losses on assets
4. Percentage of UMKM loans to total loans
5. Percentage of UMK loans to total loans
6. Percentage of UMKM debtors to total debtors
7. Percentage of UMK debtors to total debtors
8. Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. Write-off on earning assets
d. Recovery of write-off on earning assets
e. Write-off on earning assets with elimination of right to collect
31,151,567
29,207,376
1,944,191
10,545,661
10,201,029
344,632
20,605,906
4,458,055
2,809,346
1,648,709
22,254,615
DIVIDEND
EARNING PER SHARE
As at 30 September 2012 and 2011
DESCRIPTION
24,155,136
22,585,689
1,569,447
9,721,756
9,564,110
157,646
14,433,380
14,433,380
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
30 September 2011
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
73,971
94,706
38,738
1,059,174
6,916,354
764
96
30,649
68,916
68,680
28,413
13,008
3,681,552
536,279
193,701
1,338
65,845
5,084
74,378
37,300
3,684,340
51
521,522
73,971
95,322
12,602
799,679
6,585,514
96
43,324
Notes :
1. Presentation of the above Consolidated Financial Statements as at and for nine months ended 30 September 2012 and 2011 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statements as at and for the years ended 31 December 2011 are derived from the Consolidated Financial Statements which were audited by Public Accounting Firm KAP Tanudiredja, Wibisana
& Rekan - a member firm of PricewaterhouseCoopers Global Network (partner in charge Drs. Haryanto Sahari, CPA) whose report dated 7 March 2012 expressed an Unqualified Opinion.
2. The above consolidated financial statements are presented to comply with Bank Indonesia Regulation No. 3/22/PBI/2001 dated 13 December 2001 which was amended by Bank Indonesia Regulation No. 7/50/PBI/2005 dated 29 November
2005 and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 regarding Quarterly Published Financial Statements and Monthly Financial Statements of Commercial Banks, which was amended by Circular Letter
of Bank Indonesia No. 13/30/DPNP dated 16 December 2011, and also in accordance with Rule of Capital Market and Financial Institution Supervisory Agency (Bapepam and LK) No. X.K.2, Decision of Chairman of Bapepam and
LK No. Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic Financial Statement for Issuers or Public Companies, Rule of Bapepam and LK No. VIII.G.7 Decision of Chairman of Bapepam and LK No. Kep-347/BL/2012
dated 25 June 2012 regarding Presentation and Disclosure of Financial Statement for Issuers or Public Companies. The Calculation of Consolidated Capital Adequacy Ratios have been complied with Bank Indonesia Regulation No.
8/6/PBI/2006 dated 30 January 2006 regarding The Implementation of Consolidated Risk Management for Banks Performing Control on Subsidiary Companies. The Statement of Cash Flows which are calculated in accordance PSAK
No. 2 are presented to comply with Bapepam and LK rule No. VIII.G.7 dated 25 June 2012.
3. Presentation of the Financial Statements of PT Bank Mandiri (Persero) Tbk. (Bank only) as at and for nine months ended 30 September 2012 and 2011 are presented in accordance with PSAK No. 4 "Consolidated and Separate Financial
Statements" effectively since 1 January 2011, which investment in subsidiary by the parent to be accounted for using cost method with restrocpective application. Consequently, Financial Statements PT Bank Mandiri (Persero) Tbk.
(Bank only) as at and for nine months ended 30 September 2011 was restated.
4. On 30 September 2012, allowance for impairment losses on financial guarantee contracts with credit risk (off balance sheet accounts) and non productive assets calculated with impairment calculation method in accordance to applicable
PSAK, based on Letter of Bank Indonesia No. 13/658/DPNP/IDPnP dated 23 December 2011. On 30 September 2011 allowance for impairment losses calculated based on Bank Indonesia Regulation No. 7/2/PBI/2005 dated 20 January
2005 and Letter of Bank Indonesia No. 12/516/IDPnP dated 21 September 2010.
5. Composite value/rating of Bank Mandiri's Good Corporate Governance is 1.78/Good.
6. For comparative purposes, certain accounts in the financial information as at and for nine months ended 30 September 2011 have been reclassified to conform with the presentation of accounts in the financial information as at and
for nine months ended 30 September 2012.
7. Related Parties in Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding Legal Lending Limit for Commercial Bank which was amended
by Bank Indonesia Regulation No. 8/13/PBI/2006 dated 5 October 2006.
8. Since PT Bank Mandiri (Persero) Tbk. has owned 60% shares of PT Mandiri Axa General Insurance (MAGI) on 11 October 2011, the Financial Statements of MAGI has been consolidated into the Consolidated Financial Statements
of PT Bank Mandiri (Persero) Tbk.
9. Exchange rate of 1 US Dollar as at 30 September 2012, 30 September 2011 and 31 December 2011 were Rp 9,570.00; Rp8,790.00 and Rp9,067.50 respectively.
As at 30 September 2012 and 31 December 2011
(In Millions of Rupiah)
BANK
27,038,080
25,211,064
1,827,016
8,846,247
8,513,513
332,734
18,191,833
18,191,833
OTHER COMPREHENSIVE INCOME
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Other comprehensive income current year after income tax - net
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
30 September 2012 30 September 2011 30 September 2012 30 September 2011
56,794
(762,614)
131,085
-
2,333,333
547,000
BANK
* ) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
No.
(In Millions of Rupiah)
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid - in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial
statement
h. Funds for Paid-Up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max, 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 September 2012
BANK
30 September 2011
CONSOLIDATED
BANK
CONSOLIDATED
53,133,234
11,666,667
42,910,290
43,311,846
17,195,760
2,333,333
547,000
17,424,892
5,738,929
57,335,928
11,666,667
45,975,286
46,398,904
17,195,760
2,333,333
547,000
20,158,271
6,117,695
44,925,547
11,666,667
34,522,603
34,522,603
17,216,833
2,333,333
547,000
9,342,244
4,852,280
47,996,787
11,666,667
36,621,798
36,621,798
17,216,833
2,333,333
547,000
11,197,945
5,140,847
71,932
-
46,845
-
230,913
-
185,840
-
(401,556)
-
(423,618)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(401,556)
(423,618)
-
-
(1,443,723)
(1,443,723)
-
(613,803)
(105,666)
(508,137)
307,778
(1,263,723)
(1,263,723)
-
(543,697)
(105,666)
(438,031)
252,019
7,849,828
5,489,287
1,371,121
4,118,166
9,246,465
5,950,338
1,371,121
4,579,217
8,623,980
4,996,006
1,371,121
3,624,885
9,868,840
5,415,174
1,371,121
4,044,053
3,804,264
3,804,264
(1,443,723)
(1,443,723)
-
3,804,264
3,804,264
(508,137)
(508,137)
-
4,891,697
4,891,697
(1,263,723)
(1,263,723)
-
4,891,697
4,891,697
(438,031)
(438,031)
-
-
-
-
-
60,983,062
66,582,393
53,549,527
57,865,627
60,983,062
329,453,269
48,384,624
1,345,933
66,582,393
366,337,401
55,735,767
1,599,965
53,549,527
289,990,826
40,781,287
1,312,676
57,865,627
323,524,224
46,163,378
2,066,176
16.14%
15.78%
16.19%
15.65%
16.08%
15.72%
16.13%
15.57%
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II.
30 Sep 2012
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
CONSOLIDATED
31 Dec 2011
(Audited)
30 Sep 2012
31 Dec 2011
(Audited)
124,753
-
238,525
-
133,297
-
623,058
-
6,494,618
430,650
9,504,077
300,478
6,494,618
430,650
9,504,077
300,478
7,743,697
478,685
6,086,260
679,688
7,743,697
478,685
6,086,260
679,688
19,951,324
43,519,050
16,537,631
35,024,658
19,987,803
45,403,333
16,554,108
36,389,080
113,220
-
47,818
-
113,220
-
68,368
-
102,598
-
108,923
-
102,598
-
115,114
-
9,726,281
2,356,623
207,389
-
9,736,868
2,243,545
314,052
-
9,781,895
2,525,187
215,954
-
9,810,830
2,259,960
696,432
-
205,148
9,863,701
371,132
5,324,499
205,148
9,865,538
371,232
5,336,210
5,490,654
59,991
32,729
5,160,713
56,394
32,729
5,495,291
224,996
32,729
5,164,416
183,988
32,729
18,249,778
24,324,892
100,191
16,607,997
15,777,728
70,264
18,518,766
24,487,896
100,191
16,820,394
15,894,417
70,264
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 September 2012 and 2011
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 Sep 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest and sharia income
Receipts from fees and commissions
Payments of interest and sharia expenses
Receipts from the sale of Government Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair value through profit or loss
Foreign exchange gains - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - others
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(Increase) in operating assets:
Placements with Bank Indonesia and other banks *)
Marketable securities - Fair value through profit or loss *)
Other receivables - Trade Transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in financial lease
Other assets
Proceeds from collection of financial assets already written - off
Increase/(Decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking and Sharia - Non Syirkah Temporer Fund
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Taxes payable
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Restricted investment demand deposit and mudharabah musytarakah demand deposit
Restricted investment saving deposit and unrestricted investment mudharabah saving deposit
Unrestricted investment mudharabah time deposit
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease/(Increase) in marketable securities - Available for sale and Held to maturity *)
Decrease in Government Bonds - Available for sale and Held to maturity
Decrease of investments in shares
Proceeds from sale of fixed assets
Acquisition of fixed assets
Increase in Non controling interest
Net cash provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase/(Decrease) in marketable securities issued
Increase in fund borrowings
Payment of Subordinated Loans
Decrease in securities sold under repurchase agreements
Capital contribution
Difference in change of Subsidiary equity
The addition of Capital through Public Offering (LPO) with Preemptive Rights
after deducting the costs associated LPO
Payments of dividends, cooperative development fund program and community
development fund program
Net cash provided by/(used in) financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS AT END OF PERIOD
Cash and cash equivalent at end of period consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks *)
Certificate of Bank Indonesia *)
Total cash and cash equivalents
30 Sep 2011
30,911,287 27,666,489
6,962,630
5,961,019
(11,279,559) (11,829,667)
48,926,217 26,857,335
(48,691,841) (26,889,977)
981,273
435,614
311,532
314,822
(1,550,246) (1,680,295)
(5,673,891) (4,863,303)
(5,195,668) (4,134,374)
283,597
84,819
15,985,331 11,922,482
(43,783) (10,261,946)
1,412,958 12,530,357
430,491
(822,317)
(51,198,398) (51,304,426)
5,576,449
6,786,174
(453,637) (1,410,328)
(165,758)
(37,078)
(4,464,756) (5,385,825)
1,688,555
2,816,305
(1,754,740)
13,367,987
6,019,074
5,418,486
310,217
(2,501,896)
3,205,036
(82,318)
(2,459)
3,070,669
490,016
(2,088,788) 2,322,181
(6,268,821) (11,174,788)
(756,364)
1,208,213
622
4,252
(893,031)
150,931
(285,377)
1,463,518
(233,154)
1,049
927
(655,497)
306,326
883,169
(606,414)
405,566
(28,589)
652,975
10,755
-
446,968
4,140,852
(41,874)
90,072
-
11,424,573
(2,940,883)
(2,506,590)
(3,182,705)
12,877,886
(9,060,788)
108,653,748
99,592,960
2,586,267
73,294,496
75,880,763
11,476,441
34,732,754
10,313,335
43,065,437
4,993
99,592,960
10,373,407
32,158,129
8,169,186
23,648,842
1,531,199
75,880,763
(320,973)
(129,331)
(570,981)
(29,195)
Supplemental Cash Flows Information
Activities not affecting cash flows :
Unrealised losses from decrease in fair value of available for sale marketable securities
and Government Bonds - net of deffered tax
Acquisition of fixed assets - payable
*) Effective from since 1 January 2010, Placements with Bank Indonesia and other banks including Certificate
of Bank Indonesia with maturity of three months or less are classified as Cash and Cash equivalents.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 September 2012 and 2011
No.
(In %)
BANK
RATIOS
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of lending in excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
30 Sep 2012
30 Sep 2011
16.08%
16.13%
1.33%
1.49%
3.01%
1.91%
0.38%
3.47%
26.61%
5.55%
63.56%
82.23%
1.68%
1.81%
3.00%
2.41%
0.57%
3.52%
26.31%
5.23%
65.33%
76.25%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.01%
2.00%
8.00%
8.01%
2.33%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 30 September 2012
(In Millions of Rupiah)
BANK
SHAREHOLDER
Ultimate Shareholder :
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Deputy President Commissioner
- Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
Muchayat
Cahyana Ahmadjayadi
Wahyu Hidayat *)
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Zulkifli Zaini
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Budi Gunadi Sadikin
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
: Edwin Gerungan
TRANSACTION
Notional Amount
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
C. Others
TOTAL
Type
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
3,604,650
3,550,640
3,375,388
631,997
229,262
2,918,643
4,956
28,810
5,649
5,278
76,289
13,579,099
-
76,289
13,521,800
-
57,299
-
352
27,839
-
347
96,125
-
-
-
-
-
-
4,420,000
-
-
4,420,000
-
-
34,806
-
25,230,678
17,605,474
7,625,204
61,957
142,205
*) Based on approval from Bank Indonesia upon fit & proper test regarding letter of Bank Indonesia
No. 14/115/GBI/DPIP/Rahasia dated 25 September 2012.
Size : 6 kol x 520 mm
4,386,230
13,607,334
(1,478,678)
1,402,653
540,205
(2,556,306)
5,280,638
Jakarta, 30 October 2012
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Zulkifli Zaini
President Director
Riswinandi
Deputy President Director
As at 30 September 2012 and 31 December 2011
No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
(In Millions of Rupiah)
BANK
DESCRIPTION
30 September 2012
ASSETS
Cash
Placements with Bank Indonesia
Placements with other banks
Spot and derivative receivables
Securities
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Loans
a. Designated at fair value through profit/loss
b. Available for sale
c. Held to maturity
d. Loans and receivables
Consumer finance receivables
Sharia financing
Investments in shares
Policy holder's investment in Unit Link Contract
Allowance for impairment on financial assets -/a. Securities
b. Loans
c. Others
Intangible assets
Accumulated amortisation for intangible assets -/Premises and equipment
Accumulated depreciation for premises and equipment -/Non earning assets
a. Abandoned properties
b. Repossessed assets
c. Suspense account
d. Inter office assets
i. Operational activities conducted in Indonesia
ii. Operational activities conducted outside Indonesia
Allowance for impairment on non financial assets -/Finance lease
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES AND EQUITY
LIABILITIES
Demand deposits **)
Savings deposits **)
Time deposits **)
Investment fund - revenue sharing
Fund from Bank Indonesia
Fund from other banks **)
Spot and derivative liabilities
Liabilities sold with repo agreements to repurchase (Repo)
Acceptances liabilities
Securities issued
Fund borrowings
a. Loans capital
b. Others fund borrowings
Margin deposits received
Inter office liabilities
a. Operational activities conducted in Indonesia
b. Operational activities conducted outside Indonesia
Deferred tax liabilities
Liability to Unit Link Holders
Other liabilities
Investment fund - profit sharing
TOTAL LIABILITIES
EQUITY
Share capital
a. Authorised capital
b. Unpaid-in capital -/c. Treasury stock -/Additional Paid-in Capital
a. Agio
b. Disagio -/c. Donated capital
d. Funds for paid-up capital
e. Others
Other comprehensive income (losses)
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Difference arising from quasi reorganisation
Difference arising from restructuring value of transaction of entities under common control
Other equity
Reserve
a. General reserve
b. Appropriated reserve
Retained Earning
a. Previous years *)
b. Current year
TOTAL EQUITY ATTRIBUTABLE TO OWNER
Non controlling interest
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
STATEMENTS OF COMPREHENSIVE INCOME
For the Periods Ended 30 September 2012 and 2011
CONSOLIDATED
31 December 2011 30 September 2012 31 December 2011
(Audited)
(Audited)
10,230,397
59,890,698
22,352,588
61,957
10,259,053
62,711,629
26,243,728
124,422
11,476,441
64,530,218
23,893,999
62,203
11,357,523
69,593,901
27,926,232
128,005
2,529,974
57,600,659
24,210,280
10,725
650,340
6,791,327
7,237,649
4,281,564
58,723,208
23,334,074
9,588
12,170,910
6,551,103
3,761,704
58,102,962
26,108,277
10,725
650,340
6,793,437
7,237,649
5,401,586
59,428,638
25,495,706
9,588
12,369,885
6,551,103
319,154,003
2,887,917
-
273,962,101
2,887,626
-
361,347,857
3,610,138
6,705
10,609,440
311,093,306
3,248,560
7,327
9,044,266
(115,112)
(12,996,655)
(1,247,958)
1,661,107
(1,151,164)
9,765,074
(4,105,005)
(163,210)
(11,111,571)
(1,285,241)
1,633,712
(1,100,378)
9,258,876
(3,787,184)
(260,446)
(14,122,809)
(1,332,259)
1,661,107
(1,151,164)
11,195,808
(4,783,169)
(236,254)
(12,105,048)
(1,356,397)
1,633,712
(1,100,378)
10,418,120
(4,361,860)
180,046
120,030
2,000,763
180,046
120,030
1,434,376
180,280
143,052
2,000,763
180,280
143,052
1,434,376
(305,139)
2,482,392
9,675,137
519,572,030
(298,163)
3,648,627
9,317,738
489,106,664
(327,201)
204,741
2,632,951
14,162,148
588,405,897
(320,225)
38,982
3,800,412
12,067,306
551,891,704
86,396,143
162,196,970
137,741,495
2,995
27,613,854
142,205
652,975
7,237,649
564
89,152,870
149,088,472
141,994,836
7,279
12,439,224
178,036
6,551,103
564
91,441,379
180,206,135
159,268,823
2,995
27,938,068
142,210
652,975
7,237,649
1,249,962
92,616,188
163,779,820
165,854,396
7,279
12,653,630
178,704
6,551,103
1,795,975
5,828,209
9,148,831
1,745,497
5,856,798
9,152,966
1,685,061
5,823,209
12,137,993
1,745,497
5,851,798
11,696,219
1,685,061
3,754,295
(3,463,668)
13,771,811
452,769,825
3,520,845
(3,486,349)
13,785,816
429,927,521
3,754,295
(3,463,668)
10,609,440
18,363,708
517,110,670
3,520,845
(3,486,349)
9,044,266
17,488,362
489,237,297
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
16,000,000
(4,333,333)
-
17,195,760
-
17,195,760
-
17,195,760
-
17,195,760
-
71,932
(416,626)
78,732
-
83,282
(678,466)
131,085
-
46,846
(399,705)
78,732
-
No.
2,333,333
547,000
2,333,333
547,000
2,333,333
547,000
24,961,431
10,363,976
66,802,205
66,802,205
519,572,030
16,523,449
11,377,033
59,179,143
59,179,143
489,106,664
27,695,066
11,119,408
70,283,107
1,012,120
71,295,227
588,405,897
18,379,149
12,246,044
61,793,218
861,189
62,654,407
551,891,704
DESCRIPTION
A.
1.
2.
3.
4.
OPERATING INCOME AND EXPENSES
Interest Income and Interest Expenses and Premium Income
and Claim Expenses
Interest Income
a. Rupiah
b. Foreign currencies
Interest Expenses
a. Rupiah
b. Foreign currencies
Net Interest Income (Expenses)
Premium Income
Claim Expenses
Net Premium Income (Claim Expenses)
Net Interest Income (Expenses) and Net Premium Income (Claim Expenses)
B. Other Operating Income and Expenses
1. Other Operating Income
a. Increase in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Decrease in fair value of financial liabilities (mark to market)
c. Gain from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Gain from spot and derivative transaction (realised)
e. Gain from investment in shares with equity method
f. Dividend
g. Comissions/provisions/fees and administrative
h. Recovery on allowance for impairment
i. Other income
2. Other Operating Expenses
a. Decrease in fair value of financial assets (mark to market)
i. Securities
ii. Loans
iii. Spot and derivative
iv. Other financial assets
b. Increase in fair value of financial liabilities (mark to market)
c. Losses from sale of financial assets
i. Securities
ii. Loans
iii. Other financial assets
d. Losses from spot and derivative transaction (realised)
e. Impairment for financial assets
i. Securities
ii. Loans
iii. Sharia financing
iv. Other financial assets
f. Losses related to operational risk
g. Losses from investment in shares under equity method
h. Comissions/provisions/fees and administrative
i. Impairment on non financial assets
j. Salaries and employee benefits
k. Promotion expenses
l. Other expenses
Other Operating Income (Expenses)
PROFIT (LOSS) FROM OPERATIONS
NON OPERATING INCOME AND EXPENSES
1. Gain (Losses) from sale of premises and equipment
2. Gain (Losses) from foreign currencies translation
3. Other non operating income (expenses)
PROFIT (LOSS) FROM NON OPERATING
PROFIT (LOSS) CURRENT YEAR BEFORE TAX
Income tax expenses
a. Estimated current tax
b. Deffered tax income (expenses)
PROFIT (LOSS) AFTER INCOME TAX - NET
TOTAL OTHER COMPREHENSIVE INCOME CURRENT YEAR
Income atributtable to :
Parent Company
Non controlling interest
TOTAL INCOME CURRENT YEAR
Total comprehensive income atributtable to :
Parent Company
Non controlling interest
TOTAL COMPREHENSIVE INCOME CURRENT YEAR
Special
Mention
Sub
Standard
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Placements with other banks
Spot and derivative receivables
Securities
Securities sold with agreement to repurchase (Repo)
Securities purchased with agreement to resell (Reverse Repo)
Acceptances receivables
Other Receivable - Trade Transaction
Loans
Investments in shares
Temporary invesment
Administrative transaction account
5,957
380,554
-
7,452
733,861
-
380,554
-
82,089
113,515
279,222
4,547,625
276,259
2,006,663
13,449,071
95,914
97,294
21,271
3,895,001
198,137
3,169,720
11,195,029
74,694
127,663
1
5,278,039
125,910
2,361,206
16,593,926
97,422
99,292
15
4,587,384
115,387
3,420,446
13,965,336
-
-
-
111,389
-
-
-
-
-
2,847,585
(57,741)
343,370
1,375
4,366,347
584,821
5,363,314
(5,409,535)
12,782,298
1,890,709
20,543
353,788
814,321
3,722,130
468,664
3,924,874
(3,331,181)
11,102,199
7,946
2,973,643
(57,741)
343,370
5,444,734
689,359
7,192,615
(7,885,100)
14,369,515
2,072,849
20,543
353,788
815,162
4,629,858
582,772
5,378,975
(5,264,836)
12,301,365
849
169,411
170,260
12,952,558
7,343
23,689
31,032
11,133,231
4,236
230,725
234,961
14,604,476
7,343
105,829
113,172
12,414,537
(1,474,700)
(1,113,882)
(1,428,671)
(1,096,771)
(1,969,156)
(1,115,981)
(1,817,484)
(1,109,075)
10,363,976
8,607,789
11,519,339
9,487,978
(11,350)
261,840
(52,353)
198,137
130,738
(258,699)
19,624
(108,337)
(9,948)
362,909
(52,353)
300,608
Loss
Total
10,562,113
8,499,452
11,819,947
9,461,143
10,363,976
10,363,976
8,607,789
8,607,789
11,119,408
399,931
11,519,339
9,172,620
315,358
9,487,978
10,562,113
10,562,113
8,499,452
8,499,452
11,420,016
399,931
11,819,947
9,145,785
315,358
9,461,143
393.11
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
COMMERCIAL BANK
Current
No.
Special
Mention
Sub
Standard
Doubtful
Loss
I.
Total
-
-
-
-
547,431
238,977
-
-
-
-
238,977
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
539
539
3,738,069
3,625,529
112,540
6,327
2,883,269
-
-
-
-
2,278
-
539
539
3,738,069
3,625,529
112,540
6,327
2,885,547
-
572
572
1,261,069
1,260,670
399
2,941
2,523,269
-
-
-
6
6
6
-
2,278
-
572
572
1,261,075
1,260,676
399
2,947
2,525,547
-
97,872
71,177
-
-
-
-
-
97,872
71,177
-
127,411
11,290
-
-
-
-
-
127,411
11,290
-
21,143,330
27,988,875
-
-
-
53,416
21,143,330
28,042,291
21,097,947
16,697,866
-
-
-
73,971
21,097,947
16,771,837
61,600
357
-
-
-
-
61,600
357
196,047
972
-
-
-
-
196,047
972
81,222,965
3,031,441
-
-
-
86,507
10,725
81,309,472
3,042,166
86,080,334
1,110,626
-
-
-
85,989
9,333
86,166,323
1,119,959
650,340
-
-
-
-
-
650,340
-
-
-
-
-
-
-
6,791,327
7,233,053
3,677
-
919
-
6,791,327
7,237,649
2,193,959
7,437,752
180,689
23,781
-
-
2,193,959
7,642,222
2,024,166
2,211,583
42,380
354,877
-
664
145,944
664,845
2,212,490
3,231,969
1,661,437
2,068,610
25,480
360,626
5,796
-
168,847
610,657
1,855,764
3,045,689
45,677,354
45,357,058
320,296
249,817,498
208,115,865
41,701,633
8,324,328
4,610,378
3,713,950
20,263,839
1,955
-
3,271,510
3,246,268
25,242
10,497,976
8,191,648
2,306,328
4,654,832
2,475,900
2,178,932
2,584,109
-
262,016
262,016
1,229,554
949,882
279,672
744,185
464,563
279,622
78,487
-
362,911
362,911
225,500
217,485
8,015
35,761
35,761
63,516
415
1,003,559
1,003,559
3,067,517
2,094,553
972,964
305,045
305,045
292,011
-
50,577,350
50,231,812
345,538
264,838,045
219,569,433
45,268,612
14,064,151
7,891,647
6,172,504
23,281,962
1,955
415
34,742,464
34,336,159
406,305
204,885,090
164,635,674
40,249,416
8,326,127
5,198,139
3,127,988
16,851,552
1,955
-
2,493,177
2,467,920
25,257
9,350,780
7,417,155
1,933,625
4,434,995
2,591,058
1,843,937
2,019,769
-
251,579
251,579
960,214
685,556
274,658
202,879
61,681
141,198
71,293
-
275,929
275,929
324,917
310,782
14,135
11,873
11,873
69,798
193
903,663
891,976
11,687
3,586,763
2,060,704
1,526,059
720,329
648,768
71,561
320,019
-
38,666,812
38,223,563
443,249
219,107,764
175,109,871
43,997,893
13,696,203
8,511,519
5,184,684
19,332,431
1,955
193
44,180,817
37,080,602
-
128,922
50,276
-
1,842
-
1,821
-
19,386
14,671
120,030
44,332,788
37,145,549
120,030
31,021,763
20,989,725
-
161,339
95,420
-
164
-
561
9,022
-
18,672
7,161
128,797
31,202,499
21,101,328
128,797
14,359,725
12,931,613
15.85%
6.45%
43.03%
40.08%
12,044,372
11,629,221
14.93%
5.69%
36.44%
33.79%
13,000,917
1,970,676
2,856,656
-
13,804,298
1,321,673
2,823,405
-
(In Millions of Rupiah)
30 September 2012
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
222,992
569
75,791
6,503
72,331
42,357
4,327,456
51
545,481
53,416
97,232
644
830,984
7,198,802
2,278
207
44,203
116,247
(162,706)
19,624
(26,835)
-
-
48,790
6,242
24,596
16,299
4,315,152
8,695
302
733,861
-
476.55
547,431
53,416
108,870
2,269
1,099,868
8,681,503
2,513
207
119,737
8,700,500
-
As at 30 September 2012 and 2011
DESCRIPTION
8,708,826
-
ALLOWANCES FOR IMPAIRMENT
No.
7,863,848
-
30 September 2011
Doubtful
8,039,536
(In Millions of Rupiah) As at 30 September 2012 and 2011
30 September 2012
Current
27,512,123
25,863,874
1,648,249
11,248,158
11,075,110
173,048
16,263,965
3,684,889
2,382,653
1,302,236
17,566,201
-
BANK
I.
RELATED PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other Receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
9. Investments in shares
10. Temporary investment
11. Commitments and contingencies
a. Rupiah
b. Foreign currencies
12. Repossessed assets
II. THIRD PARTIES
1. Placements with other banks
a. Rupiah
b. Foreign currencies
2. Spot and derivative receivables
a. Rupiah
b. Foreign currencies
3. Securities
a. Rupiah
b. Foreign currencies
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah
b. Foreign currencies
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah
b. Foreign currencies
6. Acceptances receivables
7. Other Receivable - Trade Transaction
a. Rupiah
b. Foreign currencies
8. Loans
a. Micro, small and medium loans (UMKM)
i. Rupiah
ii. Foreign currencies
b. Non UMKM
i. Rupiah
ii. Foreign currencies
c. Restructured loans
i. Rupiah
ii. Foreign currencies
d. Property loans
9. Investments in shares
10. Temporary investment
11. Administrative account transaction
a. Rupiah
b. Foreign currencies
12. Repossessed assets
III. OTHER INFORMATIONS
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia
b. To others
2. Total allowance for impairment on financial assets to earning assets
3. Total required allowance for possible losses on assets
4. Percentage of UMKM loans to total loans
5. Percentage of UMK loans to total loans
6. Percentage of UMKM debtors to total debtors
7. Percentage of UMK debtors to total debtors
8. Others
a. Chanelling of loans
b. Mudharabah Muqayyadah financing
c. Write-off on earning assets
d. Recovery of write-off on earning assets
e. Write-off on earning assets with elimination of right to collect
31,151,567
29,207,376
1,944,191
10,545,661
10,201,029
344,632
20,605,906
4,458,055
2,809,346
1,648,709
22,254,615
DIVIDEND
EARNING PER SHARE
As at 30 September 2012 and 2011
DESCRIPTION
24,155,136
22,585,689
1,569,447
9,721,756
9,564,110
157,646
14,433,380
14,433,380
TRANSFER INCOME (LOSSES) TO HEAD OFFICE
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION
30 September 2011
Required Allowance for
Allowance for Impairment
Possible Losses on Earning Assets
Individual
Collective
General
Spesific
73,971
94,706
38,738
1,059,174
6,916,354
764
96
30,649
68,916
68,680
28,413
13,008
3,681,552
536,279
193,701
1,338
65,845
5,084
74,378
37,300
3,684,340
51
521,522
73,971
95,322
12,602
799,679
6,585,514
96
43,324
Notes :
1. Presentation of the above Consolidated Financial Statements as at and for nine months ended 30 September 2012 and 2011 are derived from the Consolidated Financial Statements of PT Bank Mandiri (Persero) Tbk. and Subsidiaries
(unaudited), and Consolidated Financial Statements as at and for the years ended 31 December 2011 are derived from the Consolidated Financial Statements which were audited by Public Accounting Firm KAP Tanudiredja, Wibisana
& Rekan - a member firm of PricewaterhouseCoopers Global Network (partner in charge Drs. Haryanto Sahari, CPA) whose report dated 7 March 2012 expressed an Unqualified Opinion.
2. The above consolidated financial statements are presented to comply with Bank Indonesia Regulation No. 3/22/PBI/2001 dated 13 December 2001 which was amended by Bank Indonesia Regulation No. 7/50/PBI/2005 dated 29 November
2005 and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 regarding Quarterly Published Financial Statements and Monthly Financial Statements of Commercial Banks, which was amended by Circular Letter
of Bank Indonesia No. 13/30/DPNP dated 16 December 2011, and also in accordance with Rule of Capital Market and Financial Institution Supervisory Agency (Bapepam and LK) No. X.K.2, Decision of Chairman of Bapepam and
LK No. Kep-346/BL/2011 dated 5 July 2011 regarding Submission of Periodic Financial Statement for Issuers or Public Companies, Rule of Bapepam and LK No. VIII.G.7 Decision of Chairman of Bapepam and LK No. Kep-347/BL/2012
dated 25 June 2012 regarding Presentation and Disclosure of Financial Statement for Issuers or Public Companies. The Calculation of Consolidated Capital Adequacy Ratios have been complied with Bank Indonesia Regulation No.
8/6/PBI/2006 dated 30 January 2006 regarding The Implementation of Consolidated Risk Management for Banks Performing Control on Subsidiary Companies. The Statement of Cash Flows which are calculated in accordance PSAK
No. 2 are presented to comply with Bapepam and LK rule No. VIII.G.7 dated 25 June 2012.
3. Presentation of the Financial Statements of PT Bank Mandiri (Persero) Tbk. (Bank only) as at and for nine months ended 30 September 2012 and 2011 are presented in accordance with PSAK No. 4 "Consolidated and Separate Financial
Statements" effectively since 1 January 2011, which investment in subsidiary by the parent to be accounted for using cost method with restrocpective application. Consequently, Financial Statements PT Bank Mandiri (Persero) Tbk.
(Bank only) as at and for nine months ended 30 September 2011 was restated.
4. On 30 September 2012, allowance for impairment losses on financial guarantee contracts with credit risk (off balance sheet accounts) and non productive assets calculated with impairment calculation method in accordance to applicable
PSAK, based on Letter of Bank Indonesia No. 13/658/DPNP/IDPnP dated 23 December 2011. On 30 September 2011 allowance for impairment losses calculated based on Bank Indonesia Regulation No. 7/2/PBI/2005 dated 20 January
2005 and Letter of Bank Indonesia No. 12/516/IDPnP dated 21 September 2010.
5. Composite value/rating of Bank Mandiri's Good Corporate Governance is 1.78/Good.
6. For comparative purposes, certain accounts in the financial information as at and for nine months ended 30 September 2011 have been reclassified to conform with the presentation of accounts in the financial information as at and
for nine months ended 30 September 2012.
7. Related Parties in Assets' Quality and Other Information are presented in accordance with Bank Indonesia Regulation No. 7/3/PBI/2005 dated 20 January 2005 regarding Legal Lending Limit for Commercial Bank which was amended
by Bank Indonesia Regulation No. 8/13/PBI/2006 dated 5 October 2006.
8. Since PT Bank Mandiri (Persero) Tbk. has owned 60% shares of PT Mandiri Axa General Insurance (MAGI) on 11 October 2011, the Financial Statements of MAGI has been consolidated into the Consolidated Financial Statements
of PT Bank Mandiri (Persero) Tbk.
9. Exchange rate of 1 US Dollar as at 30 September 2012, 30 September 2011 and 31 December 2011 were Rp 9,570.00; Rp8,790.00 and Rp9,067.50 respectively.
As at 30 September 2012 and 31 December 2011
(In Millions of Rupiah)
BANK
27,038,080
25,211,064
1,827,016
8,846,247
8,513,513
332,734
18,191,833
18,191,833
OTHER COMPREHENSIVE INCOME
a. Adjustment arising from translation of financial statement
b. Gain (Losses) from changes of financial assets on available for sale
c. Effective cash flow hedges
d. Premises and equipment revaluation increment
e. Other comprehensive income from entity associations
f. Gain (Losses) from actuarial benefit program
g. Income tax related to other comprehensive income
h. Others
Other comprehensive income current year after income tax - net
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
CONSOLIDATED
30 September 2012 30 September 2011 30 September 2012 30 September 2011
56,794
(762,614)
131,085
-
2,333,333
547,000
BANK
* ) Accumulated losses of Rp162,874,901 million has been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003.
**) Consolidated balance includes temporary syirkah funds from a Subsidiary.
No.
(In Millions of Rupiah)
(In Millions of Rupiah)
COMPONENTS OF CAPITAL
COMPONENTS
A. Core Capital
1. Paid - in Capital
2. Disclosed Reserves
2.1. Additional
a. Agio
b. Donated capital
c. General reserves
d. Appropriated reserves
e. Previous years profit (100%)
f. Current year profit (50%)
g. Differences arising from translation of financial
statement
h. Funds for Paid-Up Capital
i. Warrant issued (50%)
j. Stock option issued for stock-based
compensation program (50%)
2.2. Deduction
a. Disagio
b. Previous years loss (100%)
c. Current year loss (100%)
d. Differences arising from translation of financial
statement
e. Other comprehensive income: Losses from
decrease in fair value of investment in shares
classified Available for sale
f. Difference in allowance for possible losses and
allowance for impairment on earning assets
g. Allowance for impairment on non earning
assets which shall be calculated
h. Difference in adjustment amounts from fair value
of financial assets in trading book
3. Innovative Capital
3.1. Subordinated bonds (non cummulative perpetual)
3.2. Subordinated loans (non cummulative perpetual)
3.3. Other innovative capital Instrument
4. Core Capital Deduction
4.1. Goodwill
4.2. Other intangible assets
4.3. Investments in shares (50%)
4.4. Shortage of capital on insurance subsidiaries (50%)
5. Non Controlling Interest
B. Supplemental Capital
1. Upper Tier 2
1.1. Preference stock (cummulative perpetual)
1.2. Subordinated bonds (cummulative perpetual)
1.3. Subordinated loans (cummulative perpetual)
1.4. Mandatory convertible bond
1.5. Innovative capital not included as core capital
1.6. Other supplemental capital (upper tier 2)
1.7. Fixed assets revaluation
1.8. General provision on earning assets (max, 1.25% RWA)
1.9. Other comprehensive income: Gain from increase in fair
value of investment in shares classified as
Available for sale (45%)
2. Lower Tier 2 maximum 50% of Core Capital
2.1. Redeemable preference shares
2.2. Subordinated loans and bonds
2.3. Other supplemental capital instrument (lower tier 2)
3. Supplemental Capital Deduction
3.1. Investments in shares (50%)
3.2. Shortage of capital on insurance subsidiaries (50%)
C. Core Capital and Supplemental Capital Deduction
Securitisation exposure
D. Additional Supplemental Capital Fulfilling Requirement (Tier 3)
E. Additional Supplemental Capital Allocated To
Anticipate Market Risk
II.
III.
TOTAL CORE CAPITAL AND SUPPLEMENTAL CAPITAL (A+B-C)
TOTAL CORE CAPITAL,SUPPLEMENTAL CAPITAL, AND
ADDITIONAL SUPPLEMENTAL CAPITAL ALLOCATED TO
ANTICIPATE MARKET RISK (A+B-C+E)
IV. CREDIT RISK-WEIGHTED ASSETS
V. OPERATIONAL RISK-WEIGHTED ASSETS
VI. MARKET RISK-WEIGHTED ASSETS
VII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK AND OPERATIONAL RISK {II:(IV+V)}
VIII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK AND MARKET
RISK {III:(IV+V+VI)}
30 September 2012
BANK
30 September 2011
CONSOLIDATED
BANK
CONSOLIDATED
53,133,234
11,666,667
42,910,290
43,311,846
17,195,760
2,333,333
547,000
17,424,892
5,738,929
57,335,928
11,666,667
45,975,286
46,398,904
17,195,760
2,333,333
547,000
20,158,271
6,117,695
44,925,547
11,666,667
34,522,603
34,522,603
17,216,833
2,333,333
547,000
9,342,244
4,852,280
47,996,787
11,666,667
36,621,798
36,621,798
17,216,833
2,333,333
547,000
11,197,945
5,140,847
71,932
-
46,845
-
230,913
-
185,840
-
(401,556)
-
(423,618)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(401,556)
(423,618)
-
-
(1,443,723)
(1,443,723)
-
(613,803)
(105,666)
(508,137)
307,778
(1,263,723)
(1,263,723)
-
(543,697)
(105,666)
(438,031)
252,019
7,849,828
5,489,287
1,371,121
4,118,166
9,246,465
5,950,338
1,371,121
4,579,217
8,623,980
4,996,006
1,371,121
3,624,885
9,868,840
5,415,174
1,371,121
4,044,053
3,804,264
3,804,264
(1,443,723)
(1,443,723)
-
3,804,264
3,804,264
(508,137)
(508,137)
-
4,891,697
4,891,697
(1,263,723)
(1,263,723)
-
4,891,697
4,891,697
(438,031)
(438,031)
-
-
-
-
-
60,983,062
66,582,393
53,549,527
57,865,627
60,983,062
329,453,269
48,384,624
1,345,933
66,582,393
366,337,401
55,735,767
1,599,965
53,549,527
289,990,826
40,781,287
1,312,676
57,865,627
323,524,224
46,163,378
2,066,176
16.14%
15.78%
16.19%
15.65%
16.08%
15.72%
16.13%
15.57%
No.
DESCRIPTION
I.
COMMITMENT RECEIVABLES
1. Unused fund borrowings facilities
a. Rupiah
b. Foreign currencies
2. Outstanding purchase position on spot and derivative
3. Others
II.
30 Sep 2012
COMMITMENT PAYABLES
1. Unused loan facilities granted to customer
a. BUMN
i. Committed
- Rupiah
- Foreign currencies
ii. Uncommitted
- Rupiah
- Foreign currencies
b. Others
i. Committed
ii. Uncommitted
2. Unused loan facilities granted to other banks
a. Committed
i. Rupiah
ii. Foreign currencies
b. Uncommitted
i. Rupiah
ii. Foreign currencies
3. Outstanding irrevocable letters of credit
a. Foreign L/C
b. Local L/C
4. Outstanding sales position on spot and derivative
5. Others
III. CONTINGENT RECEIVABLES
1. Guarantees received
a. Rupiah
b. Foreign currencies
2. Unrecognized interest income
a. Interest loan
b. Others interest
3. Others
IV. CONTINGENT PAYABLES
1. Guarantees issued
a. Rupiah
b. Foreign currencies
2. Others
CONSOLIDATED
31 Dec 2011
(Audited)
30 Sep 2012
31 Dec 2011
(Audited)
124,753
-
238,525
-
133,297
-
623,058
-
6,494,618
430,650
9,504,077
300,478
6,494,618
430,650
9,504,077
300,478
7,743,697
478,685
6,086,260
679,688
7,743,697
478,685
6,086,260
679,688
19,951,324
43,519,050
16,537,631
35,024,658
19,987,803
45,403,333
16,554,108
36,389,080
113,220
-
47,818
-
113,220
-
68,368
-
102,598
-
108,923
-
102,598
-
115,114
-
9,726,281
2,356,623
207,389
-
9,736,868
2,243,545
314,052
-
9,781,895
2,525,187
215,954
-
9,810,830
2,259,960
696,432
-
205,148
9,863,701
371,132
5,324,499
205,148
9,865,538
371,232
5,336,210
5,490,654
59,991
32,729
5,160,713
56,394
32,729
5,495,291
224,996
32,729
5,164,416
183,988
32,729
18,249,778
24,324,892
100,191
16,607,997
15,777,728
70,264
18,518,766
24,487,896
100,191
16,820,394
15,894,417
70,264
STATEMENTS OF CASH FLOWS
For the Periods Ended 30 September 2012 and 2011
(In Millions of Rupiah)
CONSOLIDATED
DESCRIPTION
30 Sep 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Receipts from interest and sharia income
Receipts from fees and commissions
Payments of interest and sharia expenses
Receipts from the sale of Government Bonds - Fair value through profit or loss
Acquisition of Government Bonds - Fair value through profit or loss
Foreign exchange gains - net
Operating income - others
Operating expenses - others
Salaries and employee benefits
General and administrative expenses
Non operating income - others
Cash Flow From Operating Activities Before Changes in Operating Assets and Liabilities
Decrease/(Increase) in operating assets:
Placements with Bank Indonesia and other banks *)
Marketable securities - Fair value through profit or loss *)
Other receivables - Trade Transactions
Loans
Securities purchased under resale agreements
Consumer financing receivable
Net investment in financial lease
Other assets
Proceeds from collection of financial assets already written - off
Increase/(Decrease) in operating liabilities and temporary syirkah funds:
Conventional Banking and Sharia - Non Syirkah Temporer Fund
Demand deposits
Saving deposits
Time deposits
Inter-bank call money
Obligation due immediately
Taxes payable
Other liabilities
Sharia Banking - Temporary Syirkah Funds
Restricted investment demand deposit and mudharabah musytarakah demand deposit
Restricted investment saving deposit and unrestricted investment mudharabah saving deposit
Unrestricted investment mudharabah time deposit
Net cash provided by operating activities
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease/(Increase) in marketable securities - Available for sale and Held to maturity *)
Decrease in Government Bonds - Available for sale and Held to maturity
Decrease of investments in shares
Proceeds from sale of fixed assets
Acquisition of fixed assets
Increase in Non controling interest
Net cash provided by investing activities
CASH FLOWS FROM FINANCING ACTIVITIES
Increase/(Decrease) in marketable securities issued
Increase in fund borrowings
Payment of Subordinated Loans
Decrease in securities sold under repurchase agreements
Capital contribution
Difference in change of Subsidiary equity
The addition of Capital through Public Offering (LPO) with Preemptive Rights
after deducting the costs associated LPO
Payments of dividends, cooperative development fund program and community
development fund program
Net cash provided by/(used in) financing activities
NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD
CASH AND CASH EQUIVALENTS AT END OF PERIOD
Cash and cash equivalent at end of period consist of :
Cash
Current accounts with Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia and other banks *)
Certificate of Bank Indonesia *)
Total cash and cash equivalents
30 Sep 2011
30,911,287 27,666,489
6,962,630
5,961,019
(11,279,559) (11,829,667)
48,926,217 26,857,335
(48,691,841) (26,889,977)
981,273
435,614
311,532
314,822
(1,550,246) (1,680,295)
(5,673,891) (4,863,303)
(5,195,668) (4,134,374)
283,597
84,819
15,985,331 11,922,482
(43,783) (10,261,946)
1,412,958 12,530,357
430,491
(822,317)
(51,198,398) (51,304,426)
5,576,449
6,786,174
(453,637) (1,410,328)
(165,758)
(37,078)
(4,464,756) (5,385,825)
1,688,555
2,816,305
(1,754,740)
13,367,987
6,019,074
5,418,486
310,217
(2,501,896)
3,205,036
(82,318)
(2,459)
3,070,669
490,016
(2,088,788) 2,322,181
(6,268,821) (11,174,788)
(756,364)
1,208,213
622
4,252
(893,031)
150,931
(285,377)
1,463,518
(233,154)
1,049
927
(655,497)
306,326
883,169
(606,414)
405,566
(28,589)
652,975
10,755
-
446,968
4,140,852
(41,874)
90,072
-
11,424,573
(2,940,883)
(2,506,590)
(3,182,705)
12,877,886
(9,060,788)
108,653,748
99,592,960
2,586,267
73,294,496
75,880,763
11,476,441
34,732,754
10,313,335
43,065,437
4,993
99,592,960
10,373,407
32,158,129
8,169,186
23,648,842
1,531,199
75,880,763
(320,973)
(129,331)
(570,981)
(29,195)
Supplemental Cash Flows Information
Activities not affecting cash flows :
Unrealised losses from decrease in fair value of available for sale marketable securities
and Government Bonds - net of deffered tax
Acquisition of fixed assets - payable
*) Effective from since 1 January 2010, Placements with Bank Indonesia and other banks including Certificate
of Bank Indonesia with maturity of three months or less are classified as Cash and Cash equivalents.
STATEMENTS OF CALCULATION OF FINANCIAL RATIOS
As at 30 September 2012 and 2011
No.
(In %)
BANK
RATIOS
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR)
2. Non performing earning assets and non performing non earning assets
to total earning assets and non earning assets
3. Non performing earning assets to total earning assets
4. Allowance for impairment on financial assets to earning assets
5. Gross NPL
6. Net NPL
7. Return on Asset (ROA)
8. Return on Equity (ROE)
9. Net Interest Margin (NIM)
10. Operating Expenses to Operating Income
11. Loan to Deposit Ratio (LDR)
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties
ii. Third parties
b. Percentage of lending in excess of the Legal Lending Limit
i. Related parties
ii. Third parties
2. Reserve requirement
a. Primary reserve requirement Rupiah
b. Reserve requirement Foreign currencies
3. Net Open Position - Overall
30 Sep 2012
30 Sep 2011
16.08%
16.13%
1.33%
1.49%
3.01%
1.91%
0.38%
3.47%
26.61%
5.55%
63.56%
82.23%
1.68%
1.81%
3.00%
2.41%
0.57%
3.52%
26.31%
5.23%
65.33%
76.25%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
8.01%
2.00%
8.00%
8.01%
2.33%
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
As at 30 September 2012
(In Millions of Rupiah)
BANK
SHAREHOLDER
Ultimate Shareholder :
No.
MANAGEMENT OF THE BANK
Board of Commissioners
- President Commissioner
(concurrently Independent Commissioner)
- Deputy President Commissioner
- Commissioner
- Commissioner
- Independent Commissioner
- Independent Commissioner
- Independent Commissioner
:
:
:
:
:
:
Muchayat
Cahyana Ahmadjayadi
Wahyu Hidayat *)
Pradjoto
Gunarni Soeworo
Krisna Wijaya
Board of Directors
- President Director
- Deputy President Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
- Director
:
:
:
:
:
:
:
:
:
:
:
Zulkifli Zaini
Riswinandi
Abdul Rachman
Sentot A. Sentausa
Budi Gunadi Sadikin
Ogi Prastomiyono
Pahala N. Mansury
Fransisca N. Mok
Sunarso
Kresno Sediarsi
Royke Tumilaar
: Edwin Gerungan
TRANSACTION
Notional Amount
A.
1.
2.
3.
Exchange Rate Related
Spot
Forward
Option
a. Written
b. Purchased
4. Future
5. Swap
6. Others
B. Interest Rate Related
1. Forward
2. Option
a. Written
b. Purchased
3. Future
4. Swap
5. Others
C. Others
TOTAL
Type
Derivative Receivables & Payables
Trading
Hedging
Receivables
Payables
3,604,650
3,550,640
3,375,388
631,997
229,262
2,918,643
4,956
28,810
5,649
5,278
76,289
13,579,099
-
76,289
13,521,800
-
57,299
-
352
27,839
-
347
96,125
-
-
-
-
-
-
4,420,000
-
-
4,420,000
-
-
34,806
-
25,230,678
17,605,474
7,625,204
61,957
142,205
*) Based on approval from Bank Indonesia upon fit & proper test regarding letter of Bank Indonesia
No. 14/115/GBI/DPIP/Rahasia dated 25 September 2012.
Size : 6 kol x 520 mm
4,386,230
13,607,334
(1,478,678)
1,402,653
540,205
(2,556,306)
5,280,638
Jakarta, 30 October 2012
S. E & O
Board of Directors
PT Bank Mandiri (Persero) Tbk.
Zulkifli Zaini
President Director
Riswinandi
Deputy President Director